Burke & Herbert Financial Services Corp. (BHRB) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BHRB SEC filings page.
Burke & Herbert Financial Services Corp. (BHRB) reported $363.5M in revenue over the twelve months to Jun 30, 2026, up 8.0% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
The business runs a large, liability-funded balance sheet, while FY2025 earnings improved without comparable asset growth.
Earnings improved faster than the balance sheet expanded: net income more than tripled between FY2024 and FY2025 while total assets increased only1.4% . That improvement lifted ROA from0.5% to1.5% , indicating higher earnings from roughly the same asset base rather than growth driven mainly by balance-sheet expansion.
FY2025 ended with liabilities of
Cash generation broadly followed the earnings rebound: FY2025 operating cash flow was
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Burke & Herbert Financial Services Corp.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Burke & Herbert Financial Services Corp. earned a return on assets of 1.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.5% the prior year. Earnings ranks banks on that return over three years, and Burke & Herbert Financial Services Corp. scores 62/100 among other banks.
Burke & Herbert Financial Services Corp. reported revenue of $342.0M in fiscal year 2025, against $262.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Burke & Herbert Financial Services Corp. scores 96/100 among other banks.
Burke & Herbert Financial Services Corp. funded 10.8% of its assets with shareholders' equity at the end of fiscal year 2025, holding $854.6M of equity against $7.9B of assets. Capital ranks banks on that cushion, and Burke & Herbert Financial Services Corp. scores 41/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Burke & Herbert Financial Services Corp. scores 39/100 on it among other banks.
Not available for Burke & Herbert Financial Services Corp., and counted as zero in the overall score.
Burke & Herbert Financial Services Corp. reported net income of $117.3M in fiscal year 2025, against $35.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Burke & Herbert Financial Services Corp. scores 27/100 among other banks.
Burke & Herbert Financial Services Corp. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Burke & Herbert Financial Services Corp. generates $0.92 in operating cash flow ($107.9M OCF vs $117.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Burke & Herbert Financial Services Corp. generated $106.9M in revenue in Q2 2026. This represents an increase of 22.7% from the same quarter a year earlier. Against the prior quarter it is up 26.2%.
Burke & Herbert Financial Services Corp. reported $9.5M in net income in Q2 2026. This represents a decrease of 68.3% from the same quarter a year earlier. Against the prior quarter it is down 65.3%.
Burke & Herbert Financial Services Corp. earned $0.50 per diluted share (EPS) in Q2 2026. This represents a decrease of 74.6% from the same quarter a year earlier. Against the prior quarter it is down 72.1%.
Not reported for Q2 2026.
Cash & Balance Sheet
Burke & Herbert Financial Services Corp. recorded an outflow of $1.9M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents an increase of 44.5% from the same quarter a year earlier. Against the prior quarter it is down 107.6%.
Burke & Herbert Financial Services Corp. held $167.2M in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Margins & Returns
Burke & Herbert Financial Services Corp.'s net profit margin was 8.9% in Q2 2026, showing the share of revenue converted to profit. This is down 25.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 23.4 percentage points.
Burke & Herbert Financial Services Corp.'s ROE was 0.8% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 3.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.4 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Burke & Herbert Financial Services Corp. invested $2.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 36.0% from the same quarter a year earlier. Against the prior quarter it is up 16.9%.
Not reported for Q2 2026.
Not reported for Q2 2026.
BHRB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $106.9M+22.7% | $84.7M+2.0% | $86.5M+4.9% | $85.4M+1.9% | $87.1M+25.8% | $83.0M+214.6% | $82.5M+204.1% | $83.8M+208.3% |
| SG&A Expenses | $93.5M+89.6% | $51.4M+3.5% | $48.5M-21.0% | $48.1M-5.4% | $49.3M-23.5% | $49.7M+134.7% | $61.4M+175.4% | $50.8M+126.7% |
| Interest Expense | $43.9M+16.8% | $33.6M-11.1% | $36.2M-13.9% | $37.4M-17.4% | $37.6M+3.6% | $37.8M+127.5% | $42.1M+165.1% | $45.3M+215.3% |
| Income Tax | $2.5M-65.3% | $6.0M+5.5% | $7.7M+1548.8% | $7.0M+35.3% | $7.3M+438.3% | $5.6M+732.4% | $465K-7.0% | $5.2M+1020.7% |
| Net Income | $9.5M-68.3% | $27.3M+0.5% | $30.2M+52.8% | $30.0M+8.5% | $29.9M+276.7% | $27.2M+421.9% | $19.8M+290.0% | $27.6M+581.0% |
| EPS (Basic) | $0.50-74.7% | $1.800.0% | $2.00+34.2% | $1.98+8.2% | $1.98+240.4% | $1.80+157.1% | $1.49+119.1% | $1.83+232.7% |
| EPS (Diluted) | $0.50-74.6% | $1.79-0.6% | $1.98+32.9% | $1.97+8.2% | $1.97+239.7% | $1.80 | $1.49 | $1.82 |
| Diluted Shares (Avg) | 18M+23.1% | 15M+0.7% | N/A | 15M+0.5% | 15M+23.4% | 15M | N/A | 15M |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
BHRB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $11.0B+36.5% | $7.9B+1.1% | $7.9B+1.4% | $7.9B+0.3% | $8.1B+3.1% | $7.8B+112.0% | $7.8B+116.0% | $7.9B+119.4% |
| Cash & Equivalents | $167.2M-48.6% | $69.6M-53.2% | $289.1M+113.7% | $131.7M-54.9% | $325.1M+53.4% | $148.8M+175.2% | $135.3M+204.1% | $291.8M+596.9% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $118.3M+246.6% | $36.3M+10.4% | $34.1M+4.2% | $34.1M+4.2% | $34.1M+4.2% | $32.8M | $32.8M | $32.8M |
| Total Liabilities | $9.8B+34.6% | $7.1B-0.2% | $7.1B-0.2% | $7.1B-0.8% | $7.3B+2.2% | $7.1B+109.7% | $7.1B+114.4% | $7.1B+115.0% |
| Total Equity | $1.2B+54.1% | $864.5M+14.1% | $854.6M+17.1% | $822.2M+11.4% | $780.0M+12.5% | $758.0M+137.4% | $730.2M+132.0% | $738.1M+172.5% |
| Retained Earnings | $533.9M+12.6% | $535.8M+18.3% | $517.1M+19.1% | $495.4M+17.2% | $474.0M+17.5% | $452.7M+5.6% | $434.1M+1.6% | $422.8M-0.9% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
BHRB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $313K+663.4% | $26.5M-29.6% | $30.9M-59.8% | $39.3M-17.8% | $41K+100.1% | $37.6M+431.1% | $76.9M+655.7% | $47.8M+404.7% |
| Depreciation & Amortization | $2.1M+23.4% | $1.9M+11.8% | $1.8M+3.7% | $1.8M-3.5% | $1.7M+15.1% | $1.7M+103.8% | $1.7M+111.1% | $1.8M+160.8% |
| Stock-Based Compensation | $3.0M+100.0% | $1.1M-12.0% | N/A | $1.1M+94.0% | $1.5M+60.0% | $1.3M+106.5% | N/A | $567K-7.1% |
| Capital Expenditures | $2.2M-36.0% | $1.9M+5.4% | $2.6M+793.5% | $3.9M+121.4% | $3.4M+235.9% | $1.8M+18.3% | $294K-96.3% | $1.8M-13.7% |
| Free Cash Flow | -$1.9M+44.5% | $24.6M-31.3% | $28.3M-63.0% | $35.4M-23.1% | -$3.4M+92.8% | $35.9M+542.1% | $76.6M+3202.6% | $46.0M+518.6% |
| Investing Cash Flow | $210.1M+1645.8% | -$241.0M-1166.0% | $143.1M+280.9% | -$15.4M-141.6% | -$13.6M-105.8% | $22.6M+132.0% | -$79.1M-1243.3% | $37.0M+149.5% |
| Financing Cash Flow | -$112.9M-159.5% | -$5.1M+89.2% | -$16.6M+89.2% | -$217.3M-4292.3% | $189.9M+684.8% | -$46.7M-163.9% | -$154.2M-966.8% | -$4.9M-118.8% |
| Dividends Paid | $11.3M+33.4% | $8.5M+0.4% | $8.5M+0.4% | $8.5M+4.2% | $8.5M+4.8% | $8.5M+114.8% | $8.5M+114.8% | $8.1M+106.9% |
Not reported in any period shown, so not listed: Share Buybacks.
BHRB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 8.9%-25.4pp | 32.3%-0.5pp | 34.9%+11.0pp | 35.1%+2.2pp | 34.3%+58.7pp | 32.8%+13.0pp | 24.0%+5.3pp | 33.0%+18.0pp |
| Return on Equity | 0.8%-3.0pp | 3.2%-0.4pp | 3.5%+0.8pp | 3.6%-0.1pp | 3.8%+6.3pp | 3.6%+2.0pp | 2.7%+1.1pp | 3.7%+2.2pp |
| Return on Assets | 0.1%-0.3pp | 0.3%0.0pp | 0.4%+0.1pp | 0.4%0.0pp | 0.4%+0.6pp | 0.4%+0.2pp | 0.3%+0.1pp | 0.4%+0.2pp |
| Debt-to-Equity | 8.14-1.2x | 8.17-1.2x | 8.27-1.4x | 8.59-1.1x | 9.32-0.9x | 9.34-1.2x | 9.70-0.8x | 9.66-2.6x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | -1.8%+2.1pp | 29.1%-14.1pp | 32.7%-60.1pp | 41.5%-13.4pp | -3.9%+63.9pp | 43.2%+22.0pp | 92.8%+84.3pp | 54.9%+27.6pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Burke & Herbert Financial Services Corp. BHRB | FY2025 | $342.0M | $117.3M | 34.3% | $1.4B | 44/100 |
| Old Second Bancorp Inc OSBC | FY2025 | $339.3M | $80.3M | 23.7% | $1.3B | 53/100 |
| First Mid Bancshares, Inc. FMBH | FY2025 | $349.2M | $91.7M | 26.3% | $1.3B | 50/100 |
| Southside Bancshares, Inc. SBSI | FY2025 | $237.0M | $69.2M | 29.2% | $905.6M | 52/100 |
| Univest Financial Corporation UVSP | FY2025 | $328.1M | $90.8M | 27.7% | $1.1B | 57/100 |
| Tompkins Financial Corporation TMP | FY2025 | $446.6M | $161.1M | 36.1% | $1.4B | 49/100 |
Where Burke & Herbert Financial Services Corp. Ranks
Frequently Asked Questions
What is Burke & Herbert Financial Services Corp.'s annual revenue?
Burke & Herbert Financial Services Corp. (BHRB) reported $342.0M in total revenue for fiscal year 2025. This represents a 30.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Burke & Herbert Financial Services Corp.'s revenue growing?
Burke & Herbert Financial Services Corp. (BHRB) revenue grew by 30.6% year-over-year, from $262.0M to $342.0M in fiscal year 2025.
Is Burke & Herbert Financial Services Corp. profitable?
Yes, Burke & Herbert Financial Services Corp. (BHRB) reported a net income of $117.3M in fiscal year 2025, with a net profit margin of 34.3%.
What is Burke & Herbert Financial Services Corp.'s net profit margin?
Burke & Herbert Financial Services Corp. (BHRB) had a net profit margin of 34.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Burke & Herbert Financial Services Corp. pay dividends?
Yes, Burke & Herbert Financial Services Corp. (BHRB) paid $2.20 per share in dividends during fiscal year 2025.
What is Burke & Herbert Financial Services Corp.'s return on equity (ROE)?
Burke & Herbert Financial Services Corp. (BHRB) has a return on equity of 13.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Burke & Herbert Financial Services Corp.'s free cash flow?
Burke & Herbert Financial Services Corp. (BHRB) generated $96.2M in free cash flow during fiscal year 2025. This represents a 18.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Burke & Herbert Financial Services Corp.'s operating cash flow?
Burke & Herbert Financial Services Corp. (BHRB) generated $107.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Burke & Herbert Financial Services Corp.'s total assets?
Burke & Herbert Financial Services Corp. (BHRB) had $7.9B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Burke & Herbert Financial Services Corp.'s capital expenditures?
Burke & Herbert Financial Services Corp. (BHRB) invested $11.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Burke & Herbert Financial Services Corp.'s debt-to-equity ratio?
Burke & Herbert Financial Services Corp. (BHRB) had a debt-to-equity ratio of 8.27 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Burke & Herbert Financial Services Corp.'s return on assets (ROA)?
Burke & Herbert Financial Services Corp. (BHRB) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Burke & Herbert Financial Services Corp.'s P/E ratio?
Burke & Herbert Financial Services Corp. (BHRB) trades at 14.4x earnings, its market capitalization divided by net income of $97.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Burke & Herbert Financial Services Corp.'s price-to-sales ratio?
Burke & Herbert Financial Services Corp. (BHRB) trades at 3.8x sales, its market capitalization divided by revenue of $363.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.4B as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Burke & Herbert Financial Services Corp.'s Piotroski F-Score?
Burke & Herbert Financial Services Corp. (BHRB) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Burke & Herbert Financial Services Corp.'s earnings high quality?
Burke & Herbert Financial Services Corp. (BHRB) has an earnings quality ratio of 0.92x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Burke & Herbert Financial Services Corp.?
Burke & Herbert Financial Services Corp. (BHRB) scores 44 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.